23946 Cottage Loop, Orange Beach, AL 36561 Property Records

Baldwin County property record for 23946 Cottage Loop, Orange Beach, AL 36561 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1.5 Baths
Year Built	Built 2022
Square Footage	1,871 sqft Heated Area
Lot Size	2,340 sqft (0.054 acres)
Occupancy	Owner Occupied
Last Sale	$266,900 (2020)
Tax Bill	$1,345.00 (2025)

Owner

Source: Baldwin County records · APN 66-01-01-1-001-001.136

Assessment roll updated April 16, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	23946 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 14, 2020 · Amount on Record
Deed Sale	Feb 14, 2020 · Amount on Record
Deed Doc Number	20201811735
Record Refreshed	Jun 08, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	23946 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Transaction Type	Mortgage
Record Updated	Jun 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23946 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227

Mortgage

Document Number	0002003588
Date	Jun 06, 2022
Instrument	2003588

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 05, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Baldwin County records · Assessment roll updated April 16, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Baldwin County
Municipality	Orange Beach City
Unified School District	Orange Beach City School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,345.00 (+16.75%)	$43,960 (+15.93%) Land $7,820 Building $36,140	$439,400 (+15.88%) Land $78,100 Building $361,300
2023	$1,152.00 (+20.63%) Homeowner's exemption	$37,920 (+19.4%)	$379,200 (+19.47%) Land $64,800 Building $314,400
2022	$955.00 (+15.76%) Homeowner's exemption	$31,760	$317,400 Land $66,300 Building $251,100
2021	$825.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Baldwin County (01003C), updated September 27, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	9.0 ft

Wildfire

Wildfire Risk	Moderate above 50% of the US · above 60% of Alabama
Wildfire Likelihood	About 1 in 1,075 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`66-01-01-1-001-001.136`
Alternative APNs	`373543` `366149`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,871 sqft Heated Area
1st Floor	766 sqft 1st Floor
Upper Floors	1,105 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Hardwood Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2022
Exterior Material	Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Asphalt Roof
Lot Area	2,340 sqft (0.054 acres)
Depth X Width	87.3 ft x 26.8 ft Depth x Width

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Account Number	366149
Street Address	23946 COTTAGE LOOP
City	ORANGE BEACH
State	AL
Zip	36561-5227
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	26.8' X 87.3' LOT 20 CYPRESS VILLAGE COURTYARD COTTAGES SUBDIVISION, A PUD SLIDE 2606-C LYING IN THE CITY OF ORANGE BEACH SEC
Legal Subdivision	CYPRESS VILLAGE COURTYARD COTTAGES SUB
Legal Lot Number	20
Jurisdiction	BALDWIN AL
Minor Civil Division	FOLEY
Census Blockgroup	2
Census Block	2004
Census Tract	11417